Your car insurance guide

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					Your car insurance guide
Important phone numbers
Customer Services 0871 882 2200
Calls to 0871 numbers are charged at 8p per minute plus network extras.

Monday-Friday 8am-10pm, Saturday 9am-5pm and Sunday 10am-4pm

Claims Helpline 0844 543 4420
Monday-Friday 8am-9pm, Saturday 9am-5pm and Sunday 10am-4pm

24hr Roadside Emergency Helpline (following an insured incident) 0800 362 435
Open 24 hours a day, seven days a week, all-year round

Glass Repair Helpline (open 24 hours a day) 0844 543 4428
Open seven days a week, all-year round

Renewals 0844 848 0051
Monday-Friday 8am-10pm, Saturday 9am-5pm and Sunday 10am-4pm

Calling from abroad 0044 1792 621 990
Welcome to Diamond
Thank you for insuring your vehicle with Diamond. We are confident that our friendly
and efficient service will ensure you remain a satisfied customer for many years to come.
Your car insurance guide gives full details of your car insurance cover and legal expenses
cover. Please read it carefully along with your current Certificate of Motor Insurance and
Policy Schedule. ‘Your car insurance guide’ also contains a helpful section about how to
manage your policy. Whether you are making a change to your current policy or need
to make a claim, our step-by-step guides will take you through each process quickly and
simply.
We hope you are happy with your policy. However if it does not meet with your
requirements please return all documents including the Certificate of Motor Insurance
within 14 days of receipt. Please note changes to your policy or cancellation may
incur administration charges or fees which are payable to EUI Limtied for handling the
administration of your policy. Details of these intermediary fees are given in ‘Additional
Charges and Cancellation of Your Motor Policy’ included in your welcome documents
and renewal documents.
Remember, at Diamond we are keen to provide you with a high standard of service and
to do this we welcome feedback from all of our customers. So if you have any comments
on your policy or the service that you have received we would really like to hear from
you. We’re open 7 days a week, Monday-Friday 8am-10pm, Saturday 9am-5pm and
Sunday 10am-4pm.
Thanks again for choosing Diamond and we look forward to hearing from you.
            Diamond Frequently Asked Questions



Diamond Frequently Asked Questions
The following are the most frequently asked questions we receive.


Which part of this policy relates to me?
●●   Comprehensive cover
     All sections apply
●●   Third Party, Fire & Theft only
     Only sections 2, 3, 5 & 6 apply
●●   Third Party only
     Only sections 3, 5 & 6 apply
●●   General Conditions and General Exceptions
     There are Conditions and Exceptions which apply to individual sections of the
     policy and General Conditions and General Exceptions which apply to the
     whole policy.

How do I make a claim?
Call our Claims Department on 0844 543 4420. We’re open from 8am until 9pm
weekdays, 9am to 5pm on Saturdays and 10am to 4pm on Sundays.

What if my car or circumstances change?
You should tell us of any changes to your circumstances, otherwise your policy
could be invalid. Call on 0871 882 2200 and we will let you know if there is a
refund or more to pay. Calls to 0871 numbers are charged at 8p per minute
plus network extras. If you are unsure if any changes are relevant you must call us
and ask. For more information about this, please see page 5.
Please note changes to your policy or cancellation may incur administration
charges or fees which are payable to EUI for handling the administration of your
policy. Details of these intermediary fees are given in ‘Additional Charges and
Cancellation of Your Motor Policy’ included in your welcome documents and
renewal documents.

Can I add male drivers to my Diamond policy?
At Diamond we’re happy to consider insuring any named driver, male or female.
Please call our Customer Services Department on 0871 882 2200 and one of
our representatives will be happy to assess if we can add the driver. Calls to 0871
numbers are charged at 8p per minute plus network extras.

What happens to my No Claims Bonus (NCB) if I make a claim?
Full details of how your No Claims Bonus entitlement will be effected can be found
under Section 6 on page 14.

What is the maximum No Claims Bonus (NCB) recognised by Diamond?
The maximum NCB recognised by Diamond is 5 years. For example: if you have
the maximum NCB of 5 years in the event of a claim, you would lose 2 years NCB,
reducing your NCB to 3 years.
                                   Diamond Frequently Asked Questions [continued]




What is an excess and where can I find out details of my Diamond policy excess?
Please refer to the Definitions on page 1 for a full explanation of excess. Details of your policy
excess can be found on the reverse of your Policy Schedule, which you will find with your other
documents.

What is the Diamond Bonus Accelerator Policy?
Our Bonus Accelerator policy enables you to build up your No Claims Bonus as quickly as possible.
It is especially good for younger drivers or those who are trying to rebuild their NCB. Our Bonus
Accelerator policy provides you with 10-months of car insurance, but will earn you a full year’s No
Claims Bonus, as long as you have no claims during that period.

Am I covered to drive other cars?
If you are the policyholder and 25 or over, then Diamond may give you Third Party Cover to drive
someone else’s car. Please see sections 5 and 6 of your current Certificate of Motor Insurance
which tells you if you have this cover.

Who can drive my car?
Only people listed under section 5 of your current Certificate of Motor Insurance may drive. Call
us on 0871 882 2200 and we can add drivers to your policy for a few days or for the rest of
your policy term, as long as they are eligible for cover. Calls to 0871 numbers are charged at 8p
per minute plus network extras. There is a charge for adding drivers to your policy, which will be
advised at the time of your call.

Am I insured to travel abroad?
Your Diamond policy includes a FREE International Motor Insurance Certificate for up to
30 consecutive days, in one trip, up to a total of 90 days in a year. If you are taking your car
abroad please see page 13.
             Making changes to your policy



Making changes to your policy
Please use the information in this section to keep us up-to-date with your personal details
and circumstances.

REMEMBER
It is very important that you let us know if you want to make any material changes
to your policy. A failure to notify us may deem your policy invalid.

You should tell our Customer Services Department of any changes that you would like to make by
calling them on 0871 882 2200. Calls to 0871 numbers are charged at 8p per minute plus network
extras. They’re open Monday-Friday 8am-10pm, Saturday 9am-5pm and Sunday 10am-4pm.
To help you make your changes quickly and easily, we have listed below some of the common
changes that our customers make to their policies.
For each change we have outlined the information that you should have ready when you call us.

     IMPORTANT
     In all cases you should tell us as soon as you know that the change will take place.

Changing your occupation
●●     Your new job title
Changing your address
●●     The date you will be moving
●●     Your new address, including the postcode
Changing your payment details
●●     Your new account details, including the name, sort code and account number
Changing your car
●●     The registration number
●●     The make, model and year of manufacture of your new car
●●     The value of your new car
●●     Details of any modifications to the vehicle
●●     Whether or not the car is fitted with an immobiliser device
Adding a named driver
●●     The named driver’s name, date of birth and occupation
●●     The number of years the named driver has held their licence
●●     Details of any claims the named driver has had in the last 3 years
●●     Details of any convictions that the named driver has had in the last 5 years
Contents
Definitions                            page 1
Confirmation of your insurance         page 2
How to make a claim                    page 4


Keeping your policy up-to-date         page 5
section 1 Damage to your car           page 6
section 2 Fire and Theft               page 8
section 3 Liability to other people   page 10
section 4 Windscreen damage           page 12
section 5 Going abroad                page 13
section 6 Your No Claims Bonus        page 14
section 7 Extra cover                 page 15


General Exceptions to your cover      page 17
General Conditions of your cover      page 19
Extra Conditions (endorsements)       page 23
How to make a comment or complaint    page 26
Privacy and Security Statement        page 27
Motor Legal Protection Policy         page 35
                Definitions



     Definitions
     Whenever the following words appear in this booklet or in your current Policy Schedule, they will
     have the meaning given below:

         We, Us and Diamond        EUI Limited.
                     You, Your,    The person named as the policyholder on your current Certificate
              the policyholder     of Motor Insurance.
                Certificate of     The legal document which is evidence that you have the insurance
              Motor Insurance      needed by law, which shows who can drive your car and for what
                                   purposes it can be used.
                        Excess     The amount you must pay towards any claim for damage to or loss
                                   of your car. You are responsible for the excess even if the incident is
                                   not your fault.
                    Indemnity      The legal principle which ensures that, after a loss, you are placed in
                                   the same financial position as you were prior to the loss.
            Private Motor Car      A privately owned motor car manufactured for the carriage of up to
                                   eight passengers, which is designed solely for private use and has not
                                   been constructed or adapted to carry goods or loads.
                      Your Car     Any private motor vehicle insured under your policy and as specified on
                                   your current Certificate of Motor Insurance and Policy Schedule.
           Period of Insurance     The length of time covered by this insurance, as shown on your current
                                   Certificate of Motor Insurance.
                 Market Value      The cost of replacing your car, with one of a similar make, model, year,
                                   mileage and condition based on market prices at the time of the loss.
                                   Use of the term ‘market’ means the market in which you would normally
                                   shop for your car e.g. retail value will not apply if you buy your car
                                   privately or at auction. Non-European manufactured cars will be valued
                                   based on European import values or the nearest British equivalent,
                                   at our discretion.
              Policy Schedule      The document that shows the car we are insuring and the type of cover
                                   you have with us.
              Territorial Limits   Great Britain, Northern Ireland, the Isle of Man and the Channel Islands,
                                   including travel between any of these.
                     Total Loss    When your car is stolen and unrecovered or, when we decide it is
                                   uneconomical to repair.
                  Courtesy car     A car provided by a Diamond approved repairer or another company
                                   instructed by Diamond. This car is not intended to be on a like for like
                                   basis with your own car.
                 Contribution      A proportion of the claim you may be asked to pay if we have to replace
                                   parts of your car, which were worn or damaged prior to the insured loss.
                                   This is to avoid betterment, which would be any improvement to your
                                   car beyond the condition it was in before the loss or damage occurred.
           Authorised Insurer      The Insurance companies as defined in your Certificate of Motor
                                   Insurance.
page 1
                                                                   Confirmation of your insurance



Confirmation of your insurance
Your contract of insurance
Insurance has been effected by EUI Limited with authorised insurers whose names can be
supplied on application and which appear on a written form of authority, namely your Certificate
of Motor Insurance. This document is evidence of that Insurance.
The authorised insurers have agreed to indemnify you, subject to the terms, conditions, limitations
and exclusions contained in this document, against such liability, loss, destruction or damage that
may occur during any Period of Insurance directly sustained in connection with your car referred
to on your current Certificate of Motor Insurance and Policy Schedule.
The parties to this contract are you and the authorised insurers. Nothing in this contract shall
create any rights to third parties under the Contracts (Rights of Third Parties) Act 1999 and no
variation to this contract, nor any supplemental or ancillary agreement shall create such rights
unless expressly so stated. This does not affect any right or remedy of a third party which exists or
is available apart from this Act.

Several Liability Notice
The subscribing insurers’ obligations under contracts of insurance to which they subscribe are
several and not joint and are limited solely to the extent of their individual subscriptions.
The subscribing insurers are not responsible for the subscribing insurer who for any reason does
not satisfy all or part of its obligations.

Our authority
In order that this document may be signed and issued as evidence of the policy of insurance,
the Underwriters mentioned in your Certificate of Motor Insurance have entered into an
agreement. This agreement empowers an authorised Underwriter at EUI Limited to sign and
issue this document.




David Stevens
Active Underwriter

Diamond is a trading name of EUI Limited.
Registered at Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ.




                                                                                                    page 2
                 Confirmation of your insurance (continued)




     Your promise to us
     Your policy is proof of the contract between you and the authorised insurers. It is based on the
     information given by or for you when you applied for this insurance. This information is shown on
     your Motor Proposal Confirmation. You promise, as far as you know, that the information you have
     given us is true.

     Reading your policy
     You must read your policy as a whole. The General Exceptions and General Conditions on
     pages 17-22 apply to all sections of your policy.

     Governing law
     Unless we have agreed otherwise with you, this insurance is governed by English Law and all
     communication shall be conducted in English.

         IMPORTANT
         You need to know this. The following provides a quick guide to the sections
         within ‘Your car insurance guide’ that are relevant to your cover and which you
         should read.

                  Comprehensive cover         All sections apply
           Third Party, Fire & Theft only     Only sections 2, 3, 5 & 6 apply
                        Third Party only      Only sections 3, 5 & 6 apply
     However, there are Conditions and Exceptions which apply to individual sections of the policy
     and General Conditions and General Exceptions which apply to the whole policy.




page 3
                                                                   How to make a claim



How to make a claim
     IMPORTANT
     All accidents must be reported within 48-hours, even if you are not claiming
     yourself.

If you have an accident or need to make a claim call us immediately on 0844 543 4420
Mon - Fri (8am - 9pm), Sat (9am - 5pm), Sun (10am - 4pm).
If the damage to your car is covered under your policy and your car cannot be driven, we will
arrange for one of our nationwide Approved Repairers to:
●●     collect your car from the accident site and deliver it to your home or your place of work
       within a 30 mile radius
●●     give you a courtesy car while your car is being repaired in our bodyshop, unless we decide
       your car is beyond economic repair
●●     clean your car inside and out following the repairs
If you do not wish to use our Approved Repairers we cannot guarantee you a courtesy car, and
you will need to get two estimates from repairers. If we think the repair estimate is unreasonable,
we may arrange for your car to be moved to another repairer. We may move your car to a safe
place, before repair or disposal. All repairs carried out by our Approved Repairers are guaranteed
for 5 years.

Glass Repair Helpline (open 24 hours a day)
If your policy includes glass cover, and either your windscreen or a window is broken, please call
our Glass Repair Helpline on 0844 543 4428 so that we can arrange for repair or replacement.
To make a claim you can call our Claims Department on 0844 543 4420.

     IMPORTANT
     We are unable to offer a courtesy car if your car was originally produced for sale
     outside the EC or is a classic car or camper van. We cannot guarantee to provide a
     courtesy car adapted for a person’s special needs or disability. This car is not meant
     to be like for like with your own car.




                                                                                                      page 4
                   Keeping your policy up to date



     Keeping your policy up to date
          Important
          You must tell us about any material changes in circumstances, as we may not be
          able to arrange cover in every case. If we are not told about material changes in
          circumstances this could affect the amount you are able to claim or may even mean
          you are unable to make a claim. If the circumstances differ significantly it could even
          result in your policy being declared void.

          Material changes in circumstances are any factors that differ from the information
          given previously, for example if you have received motoring convictions since your
          policy started.

          If we are able to arrange cover we will calculate any difference in premium from the
          date you were obliged to notify us (even if this happened in a previous period of
          insurance). Please note the notification timescales described below.

     1      Please tell us before
     ●●     if you are going to modify your car, even if the alteration is only cosmetic
     ●●     if you are going to change to a different car
     ●●     if you are going to change what you use your car for (eg if you start using it for business
            travel when you were not covered for this before)
     ●●     if you would like to add another driver to your policy
     ●●     if you are going to take your car abroad

     2      Please tell us immediately
     ●●     if you or any driver named on your policy, are involved in an accident or loss, no matter how
            trivial and even if you do not wish to make a claim
     ●●     if you sell your car
     ●●     if you change your address
     ●●     if you or any driver named on your policy, change occupation
     ●●     if you or any driver named on your policy, stop being resident in the UK
     ●●     if you or any driver named on your policy, have been disqualified from driving, have had your
            driving licence revoked or your driving licence status has changed

     3      Please tell us when you renew your insurance
     ●●     of any motoring convictions or fixed penalties you or any driver on your policy had during
            the year, or any pending prosecutions
     ●●     of any accident, theft or loss regardless of fault that you or any driver on your policy have
            made, excluding any claims made under this policy
     ●●     of any other factors which may influence the decision to insure you




page 5
                                                                     Damage to your car Section 1



Damage to your car
1      Cover for your car and its accessories
If your car is damaged as a result of an accident you will be covered for the damage to:
●●     your car
●●     your car’s standard accessories or spare parts whilst in or on your car
●●     your car phone, CD player, radios, satellite navigation equipment or any other audio/visual
       equipment, as long as they are permanently fitted to your car (the most we will pay for loss
       or damage to this equipment is 15% of your car’s market value or £1,250 whichever is less).

2      What we will pay
We will decide how to settle your claim.
We will either:
●●     pay to repair your car, or
●●     pay a cash sum to replace the damaged car or item. We may reduce the settlement or
       ask you to contribute towards the repair costs if the parts replaced were already worn or
       damaged or for removable audio/visual equipment that was not covered
If we give you a cash sum, the most we will pay is the market value of the car or items claimed
for. If your car cannot be repaired economically, we will get it moved to a place of free and safe
storage as soon as possible.
If any lost or damaged parts are no longer available, we will only pay the cost shown in the
manufacturer’s latest price guide, together with reasonable fitting costs. If your car is three years
old or more, we may decide to repair it with recycled parts or with parts which have not been
made by the car’s manufacturer but are of a similar standard.
If your car cannot be repaired economically, we will get it moved to a place of free and safe
storage as soon as possible.
If you have bought your car by hire purchase, or you are leasing it, we will pay any money owed
to that company first and then pay any remaining money to you.

     Agreed Value
     If your car is more than 20 years old, an agreed valuation can be obtained, subject
     to underwriting approval. If we do consent to an agreed value, the most we will pay
     you is the agreed value as stated on the current agreed value certificate.

     Your Policy Schedule will show if this extra condition (endorsement) applies.

3      What is not covered?
We will not pay:
●●     the first amount of any claim shown in your current Policy Schedule under Excess Details
●●     for loss or damage to your car where your car is taken or driven without your consent
       by a family member, spouse or partner



                                                                                                        page 6
   Section 1     Damage to your car [continued]




     ●●   for loss or damage to your car or loss of money from selling your car to someone
          who deceives you
     ●●   for damage to your car caused by it being driven after an accident
     ●●   for the replacement of your CD player, radio cassette player or any other audio/visual
          equipment, if we pay you a cash sum to replace your car
     ●●   for loss of use (including the cost of hiring a vehicle)
     ●●   for wear and tear
     ●●   loss or damage caused by theft or attempted theft or fire if your car has been unlocked and
          unattended or the keys have been left in or on your car
     ●●   for mechanical, electrical, electronic, computer failures, breakdowns or breakages
     ●●   for damage caused to your tyres by normal road use, braking, cuts, punctures or bursts
     ●●   for any loss to the market value of your car as a result of it being repaired
     ●●   for any modifications unless they form part of the manufacturer’s standard specification or
          are optional extras that we have agreed to cover. See also Extra Conditions (Endorsement 11)
     ●●   for damage to your car as a result of racing against another motorist, “road rage” or a
          deliberate act caused by you or any driver insured to drive your car
     You do not have to pay any excess if your car is damaged while with the motor trade for servicing
     or repairs.

     REMEMBER
     You must tell us about and send any letter, writ or summons within 48 hours.

     4    Keeping your damaged car safe
     If you want us to pay for damage to your car, its accessories and spare parts, you must take
     steps to make sure it is kept safe until it is repaired. You can arrange to have your damaged car
     moved to the premises of the nearest competent repairer. We will pay any reasonable charges
     for safeguarding your car and getting it to and from the repairers. It is important you tell us
     immediately where your car is or you will be responsible for any charges that occur.
     See also Pages 17-18 General Exceptions
              Pages 19-22 General Conditions
              Pages 23-25 Extra Conditions (endorsements)




page 7
                                                                             Fire and Theft Section 2



Fire and Theft
1      Cover for your car and its accessories
If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, you will be
covered for the loss or damage to:
●●     your car
●●     your car’s standard accessories and spare parts whilst in or on your car
●●     your car phone, CD player, radios, satellite navigation equipment or any other audio/visual
       equipment, as long as they are permanently fitted to your car (the most we will pay for loss
       or damage to this equipment is 15% of your car’s market value or £1,250 whichever is less).
In the event of your car keys being lost or stolen from somewhere other than your car we will pay
up to £100 for the cost of replacing the locks.

2      What we will pay
We will decide how to settle your claim.
We will either:
●●     pay to repair your car, or
●●     pay a cash sum to replace the lost or damaged car or item. We may reduce the settlement
       for or ask you to contribute towards the repair costs if the parts replaced were already worn
       or damaged or for removable audio/visual equipment that was not covered.
If we give you a cash sum, the most we will pay is the market value of the car or items claimed for.
If your car cannot be repaired economically, we will get it moved to a place of free and safe
storage as soon as possible.
If you have bought your car by hire purchase, or you are leasing it, we will pay any money owed
to that company first and then pay any remaining to you.

     Agreed Value
     If your car is more than 20 years old, an agreed valuation can be obtained, subject
     to underwriting approval. If we do consent to an agreed value, the most we will pay
     you is the agreed value as stated on the current agreed value certificate.

     Your Policy Schedule will show if this extra condition (endorsement) applies.

3      What is not covered?
We will not pay:
●●     the first amount of any claim shown in your current Policy Schedule under Excess Details
●●     for loss or damage to your car or loss of money from selling your car to someone who
       deceives you
●●     for the replacement of your CD player, radio cassette player or any other audio/visual
       equipment, if we pay you a cash sum to replace your car




                                                                                                       page 8
   Section 2       Fire and Theft [continued]




     ●●     for loss or damage to your car where your car is taken or driven without your consent by a
            family member, spouse or partner
     ●●     for loss of use (including the cost of hiring a vehicle)
     ●●     loss or damage caused by theft or attempted theft or fire if your car has been unlocked and
            unattended or the keys have been left in or on your car
     ●●     for the replacement of your CD player, radio cassette player or any other audio/visual
            equipment, if we pay you a cash sum to replace your car
     ●●     for wear and tear
     ●●     for any loss or damage caused by mechanical, electrical, electronic, computer failures,
            breakdowns or breakages
     ●●     for any loss to the market value of your car as a result of it being repaired
     ●●     for any modifications unless they form part of the manufacturer’s standard specification or
            are optional extras that we have agreed to cover. See also Extra Conditions (Endorsement 11)
     ●●     if the incident is not reported to the police
     If you have bought your car by hire purchase, or you are leasing it, we will pay any money owed
     to that company first and then pay any remaining money to you.

     REMEMBER
     You must tell us about and send us any letter, writ or summons within 48 hours

     4      Keeping your damaged car safe
     If you want us to pay for damage to your car, its accessories and spare parts, you must take
     steps to make sure it is kept safe until it is repaired. You can arrange to have your damaged car
     moved to the premises of the nearest competent repairer. We will pay any reasonable charges
     for safeguarding your car and getting it to and from the repairers. It is important you tell us
     immediately where your car is or you will be responsible for any charges that occur.
     See also Pages 17-18 General Exceptions
              Pages 19-22 General Conditions
              Pages 23-25 Extra Conditions (endorsements)

          IMPORTANT
          You must tell us of the whereabouts of your car immediately following its loss
          or damage. Any charges incurred as a result of you not providing us with this
          information will be your responsibility.




page 9
                                                                  Liability to other people Section 3



Liability to other people
1a Driving your car
You will be covered for everything you are legally liable to pay due to an accident in your car or
an attached trailer and:
●●   someone else is killed or injured
●●   someone else’s property is damaged - motor third party property damage losses for private
     cars is limited to £20,000,000 per occurrence per policy
This cover also applies to an accident involving a trailer, caravan or broken-down car you may be
towing (as long as you hold the correct driving licence entitlement to do so).

1b Driving other cars
If you are 25 or over and qualify under this section, cover is for the policyholder only and is Third
Party only, while driving a private motor car within our territorial limits. Your current Certificate of
Motor Insurance will say if you have this cover.
You will be covered for everything listed in clause 1a when you are driving any other car as long
as:
●●   your current Certificate of Motor Insurance says so
●●   you hold a valid Driving Licence and are not disqualified
●●   the other car is not owned by you, a rental car, nor hired to you under a hire purchase or
     leasing agreement
●●   you have the owner’s permission to drive the car
●●   there is a valid insurance policy in force for that car
●●   you are not covered by any other insurance to drive it
●●   you still have your car, and it has not been damaged beyond repair, stolen nor sold

2    Other people using your car
You are covered for:
●●   you or your partners employer or business partner while your car is being used for business
     purposes, provided your Certificate of Motor Insurance allows such use
●●   anyone named on your current Certificate of Motor Insurance to drive your car, as long as
     they are driving with your permission, hold a valid licence and are not disqualified from
     driving
●●   anyone you allow to use but not drive your car, for social or domestic purposes
●●   anyone who is getting into or out of your car
●●   the legal personal representative of anyone covered under this section if that person dies




                                                                                                       page 10
   Section 3    Liability to other people [continued]




    3     Cover for legal costs
    If we agree in writing, we will pay the following legal costs and expenses from a claim for an
    accident:
    ●●    solicitors’ fees for representing anyone we insure at any coroner’s inquest, fatal accident
          inquiry or court of summary jurisdiction
    ●●    reasonable legal services which we will arrange to defend a charge of manslaughter or
          causing death by dangerous or reckless driving
    ●●    any other legal costs and expenses if we agree beforehand

    4     Cover for emergency medical treatment
    We will pay for:
    ●●    emergency treatment fees as set out in the Road Traffic Act

    5     What is not covered?
    ●●    anyone who has other insurance covering the same liability
    ●●    death or injury to anyone while they are working with or for the driver of the car except as
          required by Road Traffic law
    ●●    any damage to property belonging to, or held in trust by, or in the charge or control of a
          person claiming to be insured under this section
    ●●    any loss or damage to property in the care of the person claiming
    ●●    any loss, damage, death or injury arising as a result of racing against another motorist, “road
          rage” or a deliberate act caused by you or any driver insured to drive your car
    See also Pages 17-18 General Exceptions
             Pages 19-22 General Conditions
             Pages 23-25 Extra Conditions (endorsements)
    You must tell us about and send us any letter, writ, claim form or summons within
    48 hours.




page 11
                                                                  Windscreen damage Section 4



Windscreen damage
1    Cover for your windscreen
We will pay:
●●   to repair or replace broken glass in your car’s windscreen or windows and any scratching
     to the bodywork caused by broken glass, as long as there is no other loss or damage
Our Glass Repair Helpline (open 24 hours a day) is 0844 543 4428

2    What is not covered?
We will not pay:
●●   any excess shown on your current Policy Schedule
●●   for replacement of the hood/roof structure of a convertible or cabriolet car when the glass
     forming part of it is not repairable
●●   for a courtesy car
●●   any windscreens or windows not made of glass eg perspex
●●   more than £25 for each glass repair or £50 for each glass replacement, if the repair or
     replacement is not arranged via our Glass Repair Helpline
●●   more than the market value of the car at the time of loss (less the excess)
Claims under this section will not affect your No Claims Bonus.
See also Pages 17-18 General Exceptions
         Pages 19-22 General Conditions
         Pages 23-25 Extra Conditions (endorsements)




                                                                                                   page 12
   Section 5    Going abroad



    Going abroad
    Your policy gives you the cover described in your current Certificate of Motor Insurance for events
    occurring in;
    ●●    Great Britain, Northern Ireland, Isle of Man and the Channel Islands
    ●●    any other country which is a member of the European Union
    ●●    Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein
    ●●    The car is covered whilst it is being transported by air, sea or rail between those countries

    Using your car abroad
    Your policy automatically includes a FREE International Motor Insurance Certificate for up to
    30 consecutive days, in a trip, up to a total of 90 days in a year. The International Motor Insurance
    Certificate is only valid for the above named countries and there is no need to call us if you are
    taking your car to any of these countries. However, should you wish to travel to any country,
    not included in the above list, please call us and we may, in some instances, be able to arrange a
    Green Card.
    See also Pages 17-18 General Exceptions
             Pages 19-22 General Conditions
             Pages 23-25 Extra Conditions (endorsements)




page 13
                                                               Your ‘No Claims Bonus’ Section 6



Your ‘No Claims Bonus’
1    What happens to your Bonus if you claim
If you (or any driver named on your policy) make a claim or a claim is made against you, and you
do not have protected or guaranteed No Claims Bonus, your No Claims Bonus will be reduced as
follows:
One claim
If you make one claim during your period of insurance you will lose two years No Claims Bonus. If
you had five or more years No Claims Bonus you will have three years No Claims Bonus at renewal.
Two claims
If you make two claims during your period of insurance you will lose four years No Claims Bonus. If
you had five or more years No Claims Bonus you will have one year at renewal.
Three or more claims
If you make three or more claims you will lose all of your No Claims Bonus.
This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and
we have to make a payment, your No Claims Bonus will be reduced unless we can get back all that
we paid from those responsible. If you have a query regarding your No Claims Bonus, please call us.
If you make a claim and your renewal premium has already been calculated, No Claims Bonus may
be amended or removed and your premium may be changed.

2    Claims that don’t affect your Bonus
●●   payments made for windscreen damage
●●   payments for emergency treatment fees
●●   claims which aren’t your fault where we have recovered all of our money

3    Protected or Guaranteed No Claims Bonus
If eligible, you can choose to pay an additional premium at the start of your policy or at renewal,
to protect or guarantee your No Claims Bonus. By doing this you can prevent your No Claims Bonus
being reduced after a fault claim has been made on your policy. There are differences in the level
of protection given, so for further details please see Pages 23-25 Extra Conditions (endorsements),
specifically extra conditions 5 & 6.
If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services
Department on 0871 882 2200 and we will let you know if you are eligible to add this to
your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras.
See also Pages 17-18 General Exceptions
         Pages 19-22 General Conditions
         Pages 23-25 Extra Conditions (endorsements)
         - specifically extra conditions 5 & 6




                                                                                                page 14
   Section 7      Extra Cover



    Extra Cover
    1     Personal injury benefits
    You and your spouse/civil partner, will be covered if you are accidentally injured as a result of a
    road traffic accident in your car and within 3 months of the accident it directly causes:
    ●●    death
    ●●    permanent blindness in one or both eyes
    ●●    total loss of one or more limbs
    We will pay the injured person or their legal representative £5,000. The most payable in any one
    period of insurance is £5,000. If you or your spouse/civil partner have more than one policy with
    us, we will only pay out under one policy.
    However, there is no cover for:
    ●●    any person over 90 at the time of the injury
    ●●    any injury or death caused by suicide or attempted suicide
    ●●    any deliberate injury
    ●●    any person, if the driver is under the influence of drink or drugs at the time of the accident

    2     Medical expenses
    We will pay medical expenses of up to £100 for each person injured if your car is involved
    in an accident.

    3     Handbags, Child Equipment and Personal Belongings
    We will pay up to £300 in any one incident for loss, or damage to, any handbag and its contents
    (a small bag containing non specific personal items) caused by accident, fire, theft or attempted
    theft, whilst it is in your car.
    We will pay up to a maximum of £300 in any one incident for loss of, or damage to, any child
    car seat or pushchair caused by accident, fire, theft or attempted theft, whilst it is in your car.
    Of this £300 you may also claim up to a maximum of £50 for loss of or damage to any children’s
    accessories caused by fire or theft whilst they are in your car.
    We will pay up to £100 for personal belongings in your car if they are damaged or stolen.
    This amount is increased to £500 if it is a Camper Van to include extra cover for non standard
    fixtures and fittings.
    If you ask us to pay someone else we will have no further responsibility to you once we have
    done so.
    What is not covered
    Loss of, or damage to:
    ●●    money, credit or debit cards, stamps, tickets, vouchers, documents or securities
    ●●    goods or samples carried in connection with any trade or business
    ●●    any property insured under another policy
    ●●    property from an open and/or unlocked convertable car, unless the property was locked in
          the boot or glove compartment

page 15
                                                               Extra Cover [continued] Section 7




●●     loss or damage caused by theft or attempted theft or fire if your car has been unlocked and
       unattended or the keys have been left in or on your car

4      Courtesy cars
If you have an accident or make a (non glass) claim and our Approved Repairer are authorised
to do the work, you will get FREE use of a courtesy car whilst your car is being repaired.
Unfortunately we cannot guarantee like for like. The courtesy car will be insured by us under your
car insurance on the same terms and conditions as your own car.

     IMPORTANT
     Courtesy cars are not provided if your car has been stolen, is beyond economic
     repair, if you choose a repairer not on our approved repairer panel, your own car
     was originally produced for sale outside the EC, or is a classic car or camper van.
     We cannot guarantee to provide a vehicle adapted for a person’s special needs or
     disability.

See also Pages 17-18 General Exceptions
         Pages 19-22 General Conditions
         Pages 23-25 Extra Conditions (endorsements)




                                                                                                 page 16
                 General Exceptions to your cover



    General Exceptions to your cover
    You will not be covered for any liabilities you may have for any of the following:
    1     Any accident, injury, loss, theft or damage which happens while your car is:
    ●●    used by a person or for any purpose not shown on your current Certificate of Motor
          Insurance
    ●●    driven by you if you don’t hold a valid Driving Licence or are breaking the conditions of your
          Driving Licence
    ●●    driven with your consent by someone who does not hold a valid Driving Licence or are
          breaking the conditions of their Driving Licence
    ●●    taken or driven without your consent by a family member, spouse, partner or a person who
          normally lives with you
    ●●    used by you or any driver shown on your current certificate of motor insurance for criminal
          purposes or deliberately used to cause harm, loss or damage
    ●●    rented out or used for hiring, merchandise delivery or for any purpose in connection with the
          Motor Trade
    ●●    used on the Nurburgring Nordschleife, or for racing formally or informally against another
          motorist, pace-making, competitions, rallies, track days, trials or tests, speed trials or speed
          tests, either on a road, track, or at an off-road 4x4 event
    2     Any liability you have under any agreement unless you would have had the liability
          even if the agreement did not exist.
    3     Loss of use of your car and for any indirect losses which result from the incident which
          caused you to claim.
    4     Any legal liability of whatsoever nature directly or indirectly caused by or contributed
          to by or arising from:
    ●●    ionising radiations or contamination by radioactivity from any nuclear fuel, or any nuclear
          waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other
          hazardous properties of any explosive nuclear assembly or nuclear component thereof
          irrespective of whether other causes have contributed to such loss, destruction or damage
    5     All loss, damage, cost or expense of whatsoever nature directly or indirectly caused
          by, resulting from or in connection with any of the following regardless of any other
          cause of event contributing concurrently or in any other sequence to the loss: any
          act of terrorism, war, civil war, invasion, act of foreign enemy, hostilities, or warlike
          operations (whether war be declared or not) mutiny, civil commotion assuming the
          proportions of or amounting to a popular rising, military rising, insurrection, rebellion,
          revolution, military or usurped power, confiscation, nationalisation, requisition or any
          act of any person acting on behalf or in connection with any organisation with activity
          directed towards the overthrow by force or its Government de jure or de facto. Except
          so far as to meet the requirement of the Road Traffic Act.
          The Policy excludes any death, injury, or damage to property caused by or in the
          course of an act of terrorism.




page 17
                                       General Exceptions to your cover [continued]




For the purpose of this exclusion an act of terrorism means an act, including but not
limited to the use of force or violence and/or the threat thereof, of any person or group(s)
of persons, whether acting alone or on behalf of or in connection with any organisation
or government, which it is reasonable to conclude was committed for political, religious,
ideological or similar purposes including the intention to influence any government and/
or to put the public, or any section of the public, in fear.
6    Any accident, injury, loss or damage (except under Section 3 - Liability
     to other people) caused by:
●●   earthquake
●●   riot or civil commotion outside Great Britain, the Isle of Man or the Channel Islands
7    The ownership, operation, maintenance or use of any car principally used for:
●●   transportation of high explosives or any other similar explosive
●●   bulk transportation of liquefied petroleum or gasoline or any inflammable liquid
●●   transportation of chemicals or gasses in liquid, compressed or gaseous form
8    Motor Traders Risks.
9    Any accident, injury, loss or damage when your car is in an area where aircraft are
     usually to be found taking off, landing, manoeuvring or parked or in an area where
     airport ground equipment is parked or on service roads leading to it.
10 Any accident, injury, loss or damage arising from the use of public emergency service
   vehicles, military and law enforcement vehicles, motor coaches and omnibuses,
   tramways (including trolley-buses) or any vehicles on rails, contractors plant and
   equipment.




                                                                                             page 18
                General Conditions of your cover



    General Conditions of your cover
    1     Your duties
    You will be provided with the cover set out in this policy if:
    ●●    you or anyone else claiming cover under the policy has kept to all the terms and conditions
          of the policy, and
    ●●    the information given at the start of your policy or renewal (confirmed to you in the Motor
          Proposal Confirmation or Motor Renewal Confirmation) or when registering a claim is true
          and complete

    2     Claims procedure
    If you or your car are involved in any type of claim or loss, you must tell us about the incident
    within 48 hours. If your claim is for glass damage only, call our Glass Repair Helpline (open
    24 hours a day) on 0844 543 4428.
    You must:
    ●●    report any claim, accident or loss to us within 48 hours regardless of fault. Failure to do so
          could result in us refusing to indemnify you. This could mean you would be responsible for
          the cost of the claim
    ●●    send any writ, summons or letters received in connection with any claim, accident or loss to
          us as soon as you receive them
    ●●    tell us at once if you receive any notice of prosecution, inquest or fatal enquiry
    ●●    give us all the information about the claim that we need
    ●●    report any claim for theft immediately to the police and obtain a crime reference number
    You must not:
    ●●    admit that the accident was your fault
    ●●    attempt to negotiate the settlement of the claim unless we have given you our
          permission in writing
    We are entitled to:
    ●●    conduct the defence or settlement of any claim on your behalf
    ●●    take legal action over any claim in your name or the name of any person insured on the
          policy for our own benefit
    ●●    admit negligence for any accident or claim on your behalf
    ●●    exchange information with other parties involved in the accident or claim
    ●●    appoint an approved repairer to repair your car. In the unlikely event the repairs are
          considered unsatisfactory, the approved repairer will have the option to rectify their work.
          Should the repairs still be considered unsatisfactory, you may then use another repairer
          providing we have confirmed it and agreed the work to be carried out.
    Avoidance of certain terms and right of recovery
    Nothing in this policy will affect the right of any person indemnified or of any other person
    to recover an amount under or by virtue of the provisions of the law of any country in which
    the policy operates relating to the insurance of liability to third parties. However you will have to


page 19
                                        General Conditions of your cover [continued]



repay to us all sums which we have paid but would not otherwise have paid had the provisions of
the laws of such countries not applied.

3    Care of your car
You or any person covered by the policy must:
●●   protect your car from loss or damage
●●   make sure your car is roadworthy
●●   allow us to inspect your car at any reasonable time we ask you
If an accident happens and the condition of the vehicle caused or contributed to the accident,
no cover under the policy will be provided and instead, liability will be restricted to meeting
obligations as required by Road Traffic law. In those circumstances, we reserve the right to recover
from you or the driver or any party responsible for the condition of the vehicle, all sums paid
(including all legal costs), whether in settlement or under a judgement, of any claim arising from
the accident.

4    Cancelling your policy
You may cancel this policy at any time by contacting us.
You have a 14 day cooling-off period from the receipt of your Welcome Pack to cancel your policy,
subject to you not making a claim. Cancellation will incur administration charges that are payable
to EUI for the cost of arranging and handling your policy. Details of these intermediary fees are
given in ‘Additional Charges and Cancellation of Your Motor Policy’ included in your welcome
documents and renewal documents.
We may cancel this policy at any time by sending seven days notice in writing to your last known
address. We will however give fourteen days notice in writing if we intend cancelling due to non
payment of instalments, in order to give you time to resolve the matter. If a claim is made or has
arisen during the period of insurance the full premium is due and no refund will be given. This
applies in all circumstances regardless of payment method.
You may cancel this policy by returning your current Certificate of Motor Insurance or by
contacting us at any time.
You must pay any outstanding amounts and any administration or cancellation fees within 10
days of your policy being cancelled. Where possible we will apply for any outstanding amounts
due from the payment details held on file. Delayed payments may incur added charges.
Should your car be stolen and/or deemed to be a total loss your policy will be cancelled without
prior notice by writing to your last known address and we will deduct any outstanding premium
owed from any payment to you. If your car is a total loss please refer to General Condition
10 on pages 21-22.
In all cases the current Certificate of Motor Insurance must be returned to us.

5    Payment of your premium and/or other fees
Unless you ask us to change your payment details, we will debit the payment details we have on
file to collect any money due.
If we are unable to collect any amount by the due date, your policy will be cancelled in line with
General Condition 4 as described in your policy terms and conditions.
If a claim is made on your policy and you have not paid all amounts due, we may deduct the
amounts from any claim settlement we make to you.

                                                                                                 page 20
                   General Conditions of your cover [continued]



    We will not refund premium for changes made to your policy after a fault claim has been made.
    Unless you contact us we will automatically apply for your renewal premium from the payment
    details we have on file, shortly after your renewal date. This is to make sure there is no interruption
    in your insurance cover.
    If you pay by instalments and have received a default notice in your policy term, we may not be
    able to offer the Direct Debit option at renewal. To renew your policy you may have to pay in full.
    In the event of cancellation, if there is a refund due, we will credit the bank or card account used
    to pay for the majority of the policy premium.

         IMPORTANT
         Card payers must advise us immediately if the card is lost or stolen. We also need to
         know if the card account is closed or the cardholder decides to cancel the authority.

    6      Settling disagreements
    If we have agreed to settle a claim, but there is a disagreement on the amount to be paid, the
    problem must be referred to the Quality Manager. If the matter remains in dispute the problem
    must be referred to the Financial Ombudsman Service. Details available on page 26.

    7      Dual insurance
    If you have other insurance which covers the same liability, loss or damage we will only pay the
    share of the claim that is attributable to this policy. This does not apply to personal injury benefits.

    8      Car sharing
    You will not be indemnified for any loss arising out of the use of your car for the carriage
    of passengers for hire or reward.
    However, you can accept money for fuel if you carry passengers for social or similar purposes
    as part of a car sharing arrangement as long as:
    ●●     your car is not made or adapted to carry more than eight passengers, and
    ●●     you are not carrying the passengers as customers of a passenger carrying business, and
    ●●     you do not make a profit from carrying the passengers

    9      Fraud
    If you or anyone acting for you misrepresents or deliberately fails to disclose material facts
    at inception, at any time during the term of the policy or at renewal of the policy that would
    materially impact either the terms and conditions or the issue or renewal decision itself,
    your policy will be cancelled or voided and all other policies to which you are connected through
    EUI Limited. We will seek to recover any costs we have incurred and will not return any premium.
    We will not pay a claim which is in any part fraudulent, false, exaggerated or if you or anyone
    acting for you makes a claim in a fraudulent or false way, or where we have been given any
    documents which are false or stolen. Your policy will be cancelled or voided and all other policies
    to which you are connected through EUI Limited. We will seek to recover any costs that have
    been incurred and will not return any premium.
    10 Total loss of your car
    If your car is a total loss, your car will become our property. All cover, including the driving of
    other cars extension if applicable, is then cancelled for you and any other drivers on the policy. We
page 21
                                         General Conditions of your cover [continued]



will deduct any outstanding premium and fees owed by you from any claims settlement we make
to you as we will have met the responsibilities under the policy.

11 Drink and drugs clause
If an accident happens whilst you or any person entitled to drive under Section 5 of your current
Certificate of Motor Insurance is convicted of an offence involving drink or drugs, or was driving
under the influence of drink or drugs, no cover under the policy will be provided and instead,
liability will be restricted to meeting the obligations as required by Road Traffic law. In those
circumstances, we reserve the right to recover from you or the driver, all sums paid (including all
legal costs), whether in settlement or under a Judgment, of any claim arising from the accident.

12 Suspension of cover
If you sell your car and you are thinking of replacing it before your policy expires, and providing
that no claims have been made, you can suspend your policy until you buy your next car. If you pay
for your insurance by instalments, your payments have to be up to date.
Once we receive your Certificate of Motor Insurance your policy will be suspended. When you buy
your next car you must call our Customer Services Department to tell them. We will reinstate your
cover and adjust your outstanding balance.
If you have not replaced your car by the time your policy is due to renew, your policy will be
cancelled from the date we received your Certificate of Motor Insurance.

13 Instructions
For your benefit and to ensure an efficient administration process, it is our policy to deal with your
spouse, partner or parent and any other person who is named on your policy. If you would like
someone else to deal with your policy on your behalf on a regular basis please let us know.
If an accident happens, to ensure an efficient and speedy claim process we will take instruction
from you or any other person provided they are named on your policy. If you would like someone
else to deal with your claim on your behalf please let us know.

14 Residency
You will only be provided with the cover set out in this policy if you and/or any additional drivers,
on your policy, are permanently resident in Great Britain, Northern Ireland, the Isle of Man, Alderney,
Guernsey and Jersey.
If you intend to leave the country for 30 days or more and you are not taking your car, you must
call our Customer Services Department on 0871 882 2200 to tell them. Calls to 0871 numbers are
charged at 8p per minute plus network extras.

15 Material Changes in Circumstances
If there is a material change in circumstances then you must tell us. We will calculate any difference
in premium from the date circumstances changed even if this happened in a previous period of
insurance.
If we are not told about material changes in circumstances this could result in an additional
premium, affect the amount you are able to claim or may even mean you are unable to make a
claim. If the circumstances differ significantly it could even result in your policy being declared void.
Changes to your policy or cancellation may incur administration charges or fees which are payable
to EUI for handling the administration of your policy. Details of these intermediary fees are given in
‘Additional Charges and Cancellation of Your Motor Policy’ included in your welcome documents
and renewal documents.
                                                                                                    page 22
                 Extra Conditions (endorsements)



    Extra Conditions (endorsements)
    These extra conditions or endorsements only apply if shown on your current Policy
    Schedule. Please read your current Policy Schedule to see which of these endorsements
    apply to your particular policy.

    1      Provisional Licence holder
    You will not be covered if your car is being driven by, or is in the possession of, a provisional
    driving licence holder who is not keeping to the terms and limitations of that licence.

    2      Excluding drivers under 25
    You will not be covered if your car is being driven by, or is in the charge of, anyone under 25.

    3      Excluding foreign use
    You will not be provided with an International Motor Insurance Certificate (Green Card) for driving
    your car abroad. Your cover is limited to the minimum legal requirement of the country you are
    driving in.

    4      Not applicable
    5      Protected No Claims Bonus
    If you have protected No Claims Bonus and
    ●●     you make 2 claims within 3 consecutive insurance terms the protection at renewal will be
           removed
    ●●     you make 3 claims within 3 consecutive insurance terms the protection will be removed at
           renewal and your No Claims Bonus reduced by two years
    ●●     you make more than 3 claims within 3 consecutive insurance terms the protection will be
           removed at renewal and your No Claims Bonus reduced to one year

         IMPORTANT
         If you make a claim during your insurance term you will not earn any No Claims
         Bonus entitlement for that insurance term. Protected No Claims Bonus does not
         protect your premium from increase at renewal. However, the motor premium
         calculation will include the No Claims Bonus discount to which you are entitled.
         If you make a claim and your renewal premium has already been calculated, your
         No Claims Bonus entitlement may be amended or removed and your premium
         changed.




page 23
                                             Extra Conditions (endorsements) continued




6      Guaranteed No Claims Bonus
Your No Claims Bonus will not be affected at renewal if you make any claim on this policy.

     IMPORTANT
     If you make a claim during your insurance term you will not earn any nNo Claims
     Bonus entitlement for that insurance term. Guaranteed No Claims Bonus does not
     guarantee your premium from increase at renewal. However, our motor premium
     calculation will include the No Claims Bonus discount to which you are entitled.
     If you make a claim and your renewal premium has already been calculated, your
     premium may change.

7      Excluding drivers under 25 (other than specified person/s)
You will not be covered if your car is being driven by, or is in the charge of anyone under 25,
unless that person is named next to this endorsement in your current Policy Schedule.

8      County council interest (loan agreement)
Any company or organisation named against this endorsement number in your current Policy
Schedule has a loan agreement with you in connection with your car.

9      Noting owner’s interest
Your car is owned by the person or organisation named against this endorsement.

10 Excluding driver/s
You will not be covered when your car is being driven by, or is in the charge of, an excluded driver.

11 Standard parts replacement
Your policy does not cover any non standard parts (modifications). Manufacturers optional extras
are only covered if they have been declared and we have agreed to arrange cover for them.
If you make a claim for loss or damage to your car, we will only pay the cost of replacing parts
needed for your car to meet the manufacturer’s specification.

12 Trailer cover
Any trailer attached to your car will have cover under Section 3 of this policy if:
●●     you have given us full details of the trailer, and
●●     you have the correct driving licence entitlement to tow a trailer of this type, and
●●     you own the trailer or it is hired to you under a hire purchase agreement
13 Audio/visual equipment limit
The most we will pay under Sections 1 and 2 for fitted radios, CD players, satellite navigation
equipment, car phones and any other audio/visual equipment is the amount shown next to this
endorsement in your current Policy Schedule.

14 No suspension of cover
We will not suspend any cover on this policy.

                                                                                                   page 24
                Extra Conditions (endorsements) continued




    15 Drink and drugs clause
    If an accident happens whilst you or any person entitled to drive under Section 5 of your current
    Certificate of Motor Insurance is convicted of an offence involving drink or drugs, or was driving
    under the influence of drink or drugs, no cover under the policy will be provided and instead,
    liability will be restricted to meeting our obligations as required by Road Traffic law. In those
    circumstances, we reserve the right to recover from you or the driver, all sums paid (including all
    legal costs), whether in settlement or under a Judgment, of any claim arising from the accident.

    16 Suspension of cover
    All cover under this policy is suspended.

    17 Excluding drivers under 30 (other than specified person/s)
    You will not be covered if your car is being driven by, or is in the charge of anyone under 30,
    unless that person is named next to this endorsement in your Policy Schedule.

    18 Agreed Value
    This endorsement amends or provides cover as stated.
    Your car is covered for an agreed value instead of the market value in recognition of supporting
    evidence supplied by you, providing it is more than 20 years old and you have a current agreed
    value certificate from us.
    If your car is lost, stolen or damaged beyond repair, the most we will pay you is the agreed value
    as stated on the current agreed value certificate.
    You are covered to attend Club Rallies and Competitions as long as your use does not involve
    racing, pace making, rallying, track days trials or speed tests either on a road, track, private
    grounds or at an off road 4x4 event.

    19 Camper Vans
    This endorsement amends or provides cover as stated.
    The policy definition of your car includes Camper Vans.
    We will pay up to £500 for personal belongings including non standard fixtures and fittings if they
    are damaged or stolen.
    You are covered to attend Club Rallies and Competitions as long as your use does not involve
    racing, pace making, rallying, track days trials or speed tests either on a road, track, private
    grounds or at an off road 4x4 event.




page 25
                                              How to make a comment or complaint



How to make a comment or complaint
At Diamond, we are committed to providing the best possible service. However, we understand
there may be times when we do not meet your expectations. We want you to let us know straight
away if you are unhappy. We will always do our best to resolve any complaint fairly.

How to make a complaint
We understand that making a complaint can be stressful in itself. That’s why we want you to be
able to complain in any way you choose.


Complaint about your policy                             Complaint about your claim
Quality Manager                                         Claims Quality Manager
Diamond                                                 Diamond
Capital Tower                                           Capital Tower
Greyfriars Road                                         Greyfriars Road
Cardiff                                                 Cardiff
CF10 3AZ                                                CF10 3AZ
Tel: 0844 543 4444                                      Tel: 0844 848 4312
Email: quality@diamond.co.uk                            Email: claimsquality@admiralgroup.co.uk
Fax: 0871 882 8006                                      Fax: 0871 882 8095
     Calls to 0871 numbers are charged at                    Calls to 0871 numbers are charged at
     8p per minute plus network extras.                      8p per minute plus network extras.


Whichever method you choose, a member of staff fully trained in complaint handling will deal
with your complaint.

How to escalate your complaint
If we have given you our final response and you are still unhappy, or more than 8 weeks have
passed since we received your original complaint, you may refer your complaint to the Financial
Ombudsman Service (FOS). Their details are as follows:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel: 0800 0 234 567
     free for people phoning from a “fixed line” (for example, a landline at home)
     0300 123 9 123
     free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or 02
Email: complaint.info@financial-ombudsman.org.uk
For more information about how we handle complaints, please call us and ask for a copy
of Our Guide to Handling Your Complaint.


                                                                                                 page 26
                Privacy and Security Statement




    Privacy and Security Statement
    1.    Introduction                               ●●   We may also collect information defined
    This Privacy Statement will help you                  as “sensitive data” within the Data
    understand how we collect, use and protect            Protection Act 1998. This includes:
    your personal information when you interact      ●●   Medical history
    with us. Please take a few moments to read
    the sections below and learn how we may
                                                     ●●   Claims history
    use your personal information. You should        ●●   Criminal convictions etc.
    also show this notice to anyone else who
                                                     We may also monitor or record calls, emails,
    may be insured to drive under your policy.
                                                     text messages or other communications in
    You acknowledge that by providing your
                                                     accordance with UK law, and in particular for:
    personal information to us, you consent in
    its processing in accordance with this Privacy   ●●   Business purposes such as quality control
    Statement. We are unable to offer you any             and training
    insurance product unless you provide explicit    ●●   Processing necessary for entering into or
    consent for the collection and use of such            performance of a contract
    sensitive data as defined in the Data
    Protection Act 1998.                             ●●   Prevention of unauthorised use of our
                                                          telecommunication systems and websites
    2.    Collecting Information                     ●●   Ensuring effective systems operation
    Personal
                                                     ●●   Meeting any legal obligation
    When providing information about others who
    may be insured you confirm that you have the     ●●   Protecting your vital interests
    consent of these individuals to supply their     ●●   Prevention or detection of crime
    personal information.
                                                     ●●   For the legitimate interests of the
    We will collect your personal information             data controller
    when:
                                                     Please visit www.ico.gov.uk for further
    ●●    You ask for a quote                        information.
    ●●    You purchase our products and services     All personal information will be held in the
    ●●    You make customer enquiries                strictest confidence and used only for the
                                                     purposes for which we collect it. If you would
    ●●    You register for information or            like us to remove any personal information
          other services                             from our records, then please write to us at
    ●●    You register a claim                       our Customer Services Department, Capital
                                                     Tower, Greyfriars Road, Cardiff CF10 3AZ. We
    ●●    You respond to communications
                                                     will make all reasonable efforts to delete
          or surveys
                                                     your information from our files if it is deemed
    The type of personal information we may          appropriate.
    collect could include:
                                                     Non-personal information collected online
    ●●    Name and address, date of birth            Cookies
          and gender
                                                     We use cookies on our website for a number
    ●●    Telephone numbers and email address        of reasons, including:
    ●●    Credit/debit card details                  ●●   Enabling users to obtain quotes from our
    ●●    Lifestyle and other information                 website (session cookie);


page 27
                                          Privacy and Security Statement [continued]




●●   Ensuring the security of our customers        ●●   Processing your quotes
     (session cookie);                             ●●   Administering your policy including
●●   Making possible certain site functionality         claims handling
     (session cookie); and                         ●●   Fraud prevention and detection
●●   Website traffic and visitor behaviour         ●●   Credit scoring or other automated
     tracking (persistent cookie).
                                                        decision-making systems
The session cookies that we use are strictly       ●●   Administering debt recoveries
necessary for the website to operate and
are essential to make possible certain site        ●●   Verifying your identity when required
functionality, including obtaining a quote and     ●●   Undertaking market research and
also to protect the security of our customers.          statistical purposes
The persistent cookies used on our website         ●●   Keeping you informed about promotions
help us to improve the user experience                  and new developments by email,
and structure of our website by collecting              telephone or post.
anonymous data about how it is being used.
These are Google Analytics cookies. To opt out     Dealing with Other People
of being tracked by Google Analytics across all    Policy Administration (with the exception
websites visit http://tools.google.com/dlpage/     of General Condition 4 - Cancellation)
gaoptout.                                          It is our policy to deal with your spouse,
For information about how to manage and            partner or parent and any other person
disable cookies you can use the ‘Help’ function    who is named on your policy. If you would
within your browser or please visit                like someone else to deal with your policy
www.aboutcookies.org or                            on your behalf on a regular basis please let
www.allaboutcookies.org.                           us know.
Please be aware that our website contains          Claim Process
links to and from other websites. We accept        To ensure an efficient and speedy claim
no responsibility or liability for the content     process we will take instruction from you or
of these websites or the cookies they use.         any other person provided they are named on
If you choose to visit another website via         the policy. If you would like someone else to
our website, you will need to contact them         deal with your claim on your behalf please let
separately to have your personal information       us know.
deleted from any records they might hold.
                                                   If you give us information about another
If you would like more information regarding       person, in doing so you confirm that they have
cookies or our use of them, please read our        given you permission to provide it to us to be
online Cookie Policy at www.diamond.co.uk          able to process their personal data (including
or contact the Data Protection Officer at the      any sensitive personal data) and also that you
following address:                                 have told them who we are and what we will
Data Protection Officer, EUI Limited, Capital      use their data for, as set out in this Statement.
Tower, Greyfriars Road, Cardiff, CF10 3AZ          Marketing
                                                   EUI Limited will contact you from time to
3.   How your information will be used
                                                   time by telephone, post, email or SMS to
General                                            keep you informed with news, products or
We will use your information for:                  services, including but not limited to car


                                                                                                  page 28
                 Privacy and Security Statement [continued]



    insurance (e.g. other automotive or financial       4.   Confidentiality
    products, or other carefully selected offers or     We will endeavour to treat your personal
    promotions which we feel may be of interest         information as private and confidential.
    to you). Other carefully selected companies
    may also contact you by post. If you have           We would like to bring to your attention our
    opted in to receive emails, SMS or telephone        obligations to disclose information in the
    calls from other selected companies, you may        following four exceptional cases permitted by
    also be contacted about other products that         law, and the other situations set out below.
    we believe may be of interest to you by these       These are:
    contact methods.                                    ●●   Where we are legally compelled to do so
    If you do not want your personal information        ●●   Where there is a duty to the public
    to be used this way, please visit https://secure.        to disclose
    diamond.co.uk/optOut/optOut.php or write            ●●   Where disclosure is required to protect
    to the Marketing Department, EUI Limited,
                                                             our interest
    Capital Tower, Greyfriars Road, Cardiff,
    CF10 3AZ, who will ensure that your                 ●●   Where disclosure is made at your request
    information is not used for these purposes.              or with your consent
    At renewal                                          Also, from time to time we will employ agents
    In order to offer you continuous cover on your      and subcontractors to process your personal
    policy, EUI Limited will arrange for your policy    information on our behalf. The same duty of
    to be automatically renewed. You should be          confidentiality and security will apply to them
    aware that we can only guarantee automatic          and all processing will be carried out under
    renewal when:                                       our instruction.

    ●●    You have made us aware of any changes         If you make a complaint about the service
          to your policy details                        we have provided, we may be obliged
                                                        to forward details about your complaint,
    ●●    The credit/ debit card details have           including your personal information, to the
          not changed                                   relevant ombudsman. You can be assured that
    ●●    The credit/ debit card holder has given       they are similarly obliged to adhere to the
          their explicit consent to his or her card     Data Protection Act and keep your personal
          being charged at renewal                      information strictly confidential.
    Unless we hear to the contrary, EUI Limited is      In the unfortunate event that you have to
    entitled to assume at renewal that your details     make a claim then we will need to disclose
    have not changed and you have the consent           information with any other party involved in
    of the card holder.                                 that claim. This may include:
    If you wish to make changes to your policy          ●●   Third parties involved with the claim, their
    then, unless you inform us otherwise, EUI                insurer, solicitor or representative
    Limited will charge the payment details (card       ●●   Medical teams, the police or other
    or bank account) held on record for any                  investigators
    additional amount due.
                                                        Credit Reference
    You may inform us of any changes or opt
                                                        When you apply to us to open an account,
    out of automatic renewal at any time by
                                                        we make a number of checks to assess your
    contacting our Customer Service department.
                                                        application for credit and verifying identities
    We will also contact you with a reminder that       to prevent and detect crime and money
    your insurance is due for renewal.                  laundering. To obtain this information, we will
                                                        check the following records about you and
                                                        anyone else who may also be insured and

page 29
                                          Privacy and Security Statement [continued]



whose personal details have been provided as        If you give us false or inaccurate information
part of the insurance application.                  and we suspect or identify fraud, we will
                                                    record it and may also pass this information to
●●   Our own records.
                                                    FPAs and other organisations involved in crime
●●   Credit Reference Agency (CRA) records.         and fraud prevention.
     When we search these records CRAs will
                                                    If you borrow from us and do not make
     place a search footprint on your credit file
                                                    payments that you owe us, we will trace your
     that may be seen by other lenders. They
                                                    whereabouts and recover debts.
     supply us with both public (including the
     electoral register), and shared credit and     Your data may also be used for other purposes
     fraud prevention information.                  for which you give your specific permission or,
                                                    in very limited circumstances, when required
●●   Fraud Prevention Agency (FPA) Records.
                                                    by law or where permitted under the terms of
We make searches about you at credit                the Data Protection Act 1998.
reference agencies who will supply us with
                                                    How to Find Out More
information, including the Electoral Register
and credit information. The agencies will           This is a condensed guide to the use of your
record details of the search whether or not         personal information. If you would like to
your application proceeds. The searches will        read the full details of how your data may be
not be seen or used by lenders to assess your       used please phone our Customer Services
ability to obtain credit. We may use scoring        Department on 0871 882 0000, or write to us
methods to assess this application and to           at Pricing Department, Floor 23, Capital Tower,
verify your identity. Credit searches and other     Greyfriars Road, Cardiff, CF10 3AZ.
information which is provided to us and/or the      You can contact the CRAs currently operating
credit reference agencies, about you and those      in the UK; the information they hold may not
with whom you are linked financially, may be        be the same so it is worth contacting them all.
used by EUI Limited and other companies if          They will charge you a small statutory fee.
you, or other members of your household,
apply for other facilities including insurance      ●●   Call Credit, Consumer Services Team,
applications and claims. This information                PO Box 491, Leads, LS3 1WZ or call
may also be used for debt tracing and the                0870 060 1414 or log on to
prevention of money laundering as well as the            www.callcredit.co.uk.
management of your account. Alternatively,          ●●   Equifax, Credit File Advice Centre, PO Box
we may ask you to provide physical forms of              1140, Bradford, BD1 5US or call 0844 335
identification.                                          0550 or log on to www.equifax.co.uk.
We may also make periodic searches at CRAs          ●●   Experian, Consumer Help Service,
and FPAs to manage your account with us.                 PO Box 8000, Nottingham, NG80 7WF
Information on applications will be sent to and          or call 0844 481 8000 or log on to
recorded by CRAs. When you borrow from us,               www.experian.co.uk.
we will give details of your account(s) and how     Please contact us on 0800 052 3144 if you
you manage it / them to CRAs. If you borrow         want to receive details of the relevant fraud
and do not repay in full and on time, CRAs will     prevention agencies.
record the outstanding debt. This information
                                                    If necessary we may also have to investigate
may be supplied to other organisations by
                                                    your claims and conviction history in the
CRAs and FPAs to perform similar checks, and
                                                    course of administering the claim. You can be
to trace your whereabouts and recover debts
                                                    assured that we will keep such investigations
that you owe. Records remain on file for six
                                                    strictly confidential.
years after they are closed, whether settled by
you or defaulted.                                   Insurers pass information to the Claims
                                                    Underwriting and Exchange Register, run by

                                                                                                    page 30
                 Privacy and Security Statement [continued]



    Insurance Database Services (IDS) and the           Fraud prevention and detection notice
    Motor Insurance Anti-Fraud and Theft Register,
                                                        In order to prevent and detect fraud insurers
    run by the Association of British Insurers (ABI).
                                                        may, at any time:
    This helps insurers check information and
    prevent fraudulent claims. When we deal with        ●●   share information about you with our
    your request for insurance we may search                 other group companies
    these registers. Under the conditions of            ●●   pass details to Insurance Hunter, a
    your policy, you must tell us about any                  central insurance application and claims
    incident (such as an accident or theft) which            checking system, whereby it may be
    may give rise to a claim. When you tell us               checked against information held by
    about an incident we will pass information               Insurance Hunter and shared with other
    to the Registers.                                        insurers
    Information relating to your insurance policy       If false or inaccurate information is provided
    will be added to the Motor Insurance Database       and fraud is identified details will be passed to
    (“MID”) managed by the Motor Insurers’ Bureau       fraud prevention agencies.
    (“MIB”). MID and the data stored on it may be
    used by certain statutory and/or authorised         Law enforcement agencies may access and
    bodies including the Police, the DVLA, the          use this information.
    DVANI, the Insurance Fraud Bureau and other         We and other organisations may also access
    bodies permitted by law for purposes not            and use this information to prevent fraud and
    limited to but including :                          money laundering, for example, when:
    i.     Electronic Licensing                         ●●   checking details on applications for credit
    ii.    Continuous Insurance Enforcement;                 and credit related or other facilities

    iii.   Law enforcement (prevention, detection,      ●●   managing credit and credit related
           apprehension and or prosecution of                accounts or facilities
           offenders)                                   ●●   recovering debt
    iv     The provision of government services and     ●●   checking details on proposals and claims
           or other services aimed at reducing the           for all types of insurance
           level and incidence of uninsured driving.
                                                        ●●   checking details of job applicants
    If you are involved in a road traffic accident           and employees
    (either in the UK, the EEA or certain other
                                                        Please contact us on 0800 052 3144 if you
    territories), insurers and or the MIB may search
                                                        want to receive details of the relevant fraud
    the MID to obtain relevant information.
                                                        prevention agencies.
    Persons (including his or her appointed
                                                        We and other organisations may access and
    representatives) pursuing a claim in respect
                                                        use, from other countries, the information
    of a road traffic accident (including citizens
                                                        recorded by fraud prevention agencies.
    of other countries) may also obtain relevant
    information which is held on the MID.               We may also disclose information about you
                                                        and your policy:
    It is vital that the MID holds your correct
    registration number. If it is incorrectly shown     ●●   To companies within the Admiral
    on the MID you are at risk of having your                Group (For the purposes of this Privacy
    vehicle seized by the Police. You can check              Statement, “Admiral Group” means
    that your correct registration number details            Admiral Group plc and any company
    are shown on the MID at www.askmid.com                   or entity in which Admiral Group plc
                                                             owns more than 15% of the issued share
                                                             capital. Companies in the Admiral Group
                                                             shall include, without limitation, EUI

page 31
                                         Privacy and Security Statement [continued]



     Limited, Admiral Insurance Company Ltd,      process the data on a secure server. Microsoft
     Admiral Insurance (Gibraltar) Ltd, Inspop.   Internet Explorer and Netscape Navigator will
     com Ltd, Able Insurance Services Ltd and     confirm that you are in a secure area
     any other company that is incorporated       by displaying an unbroken key or lock in
     within the Admiral Group at any time in      the bottom right hand corner of your
     the future)                                  browser window.
●●   In the event that we undergo                 Some organisations have a security feature
     re-organisation or are sold to a third       called a firewall to protect their computer
     party, in which case you agree that any      systems. These firewalls may prevent you
     personal information we hold about you       from connecting to our secure server to
     may be transferred to that re-organised      get a quote. If you are at work and cannot
     entity or third party                        connect to our site, please speak to your IT
                                                  administrator to learn more.
●●   Where it is necessary to deliver the
     products and services bought by you. For     Please be aware that communications over the
     example, we may disclose your personal       Internet, such as emails or webmails, are not
     information to a credit card company         secure unless they have been encrypted.
     to validate your credit card details and
                                                  Your communications may route through a
     obtain payment. It may also be necessary
                                                  number of countries before being delivered
     for us to pass your personal information
                                                  – this is the nature of the Internet. We cannot
     to the organisation from whom
                                                  accept responsibility for any unauthorised
     you have ordered any products or
                                                  access or loss of personal information that is
     services other than your EUI Limited
                                                  beyond our control.
     insurance product, such as a travel
     insurance or a personal accident cover       It may be necessary to transfer your personal
     provider, etc. At all times, EUI Limited     information to other Group companies or
     will remain the Data Controller unless       service providers located outside of the
     we inform you otherwise                      European Economic Area. The data protection
                                                  and other laws of these countries may not be
5.   Information Security                         as comprehensive as those in the UK or the
On our websites we protect any information        EEA – in these instances we will take steps to
you have given us by providing you with a         ensure that your privacy rights are respected.
User ID and password. We also use industry
standard secure sockets layer (SSL) 128 bit       6.   Access to your information
encryption technology to encrypt sensitive        You can write to us at any time to obtain
information in transit to our servers.            details of the personal information that we
                                                  may hold about you. Please write to the
The User ID and password helps us to protect
                                                  Data Protection Officer, EUI Limited, Capital
your personal information. You may need a
                                                  Tower, Greyfriars Road, Cardiff CF10 3AZ.
User ID and password to access your personal
                                                  Please provide your name, address and policy
information on our website. You must keep
                                                  number and tell us what information you
this password safe and must not disclose it
                                                  would like.
to anyone. We will accept no responsibility
or liability if a third party obtains and uses    We will take all reasonable steps to confirm
your User ID and password. You must tell us       your identity before providing you with
immediately if you have lost your User ID         details of any personal information we may
or password, or if you believe a third party      hold about you. Please provide two forms
may have obtained it. Please also tell us if      of identification such as a copy of a driving
you would like us to change your User ID or       licence, passport, or document containing
password for any reason.                          your signature, and a copy of a recent utility
                                                  bill that confirms your address.
When you ask for a quote from us, we will
                                                  In accordance with the Data Protection Act
                                                                                                   page 32
    1998, we are entitled to charge £10 to cover
    the administration costs. Please make cheques
    payable to “EUI Limited”.

    7.    Privacy Support
    We reserve the right to amend or modify this
    Privacy Statement at any time and in response
    to changes in applicable law.
    The Data Controller is EUI Limited (registered
    number Z5299783). Admiral, Bell, Diamond
    and elephant.co.uk are trading names of
    EUI Limited. At all times EUI Limited will remain
    the ultimate data controller. In this Privacy
    Statement “we”, “us” and “our” means EUI
    Limited.
    If you have any enquiry about our data
    protection and privacy practices, please write
    to the Data Protection Officer as above.




page 33
    Additional Product
The following product is included as
           standard with your policy
                    Motor Legal Protection Policy




     Motor Legal Protection Policy

               DEMANDS AND NEEDS STATEMENT
               This Policy meets the demands and needs of a driver who, if they are involved
               in a motor accident which is not their fault, will require:

          ●●     the provision of a loss recovery service (including legal assistance and representation if
                 necessary) to recover any uninsured losses arising from the accident; and
          ●●     cover against the legal costs (including the costs of the loss recovery service) incurred
                 in pursuing any Claim for recovery of such losses (including any claim for death or
                 personal injury) to the extent that these costs are not fully recovered from the other
                 party or their insurers.
               EUI Limited (trading as Diamond) does not make personal recommendations
               as to the suitability of the Policy to individual circumstances.



                                                                                                              ®
     Policy Summary
     This Policy Summary does not contain the                have the right to cancel this Policy within
     full terms and conditions of your Motor Legal           fourteen days of the date upon which
     Protection Policy, which You should read. For           You receive Your Welcome Pack, subject
     full terms and conditions of the Policy please          to no Claim being made upon the policy.
     refer to the policy document that follows this          Cancellation of this policy is subject to the
     summary.                                                cancellation of the Motor Insurance Policy. A
                                                             refund will be provided in accordance with
     Provided You have paid the Motor Insurance
                                                             the cancellation terms of the Motor Insurance
     Policy Premium Your cover will be valid from
                                                             Policy. If you do not exercise this right to
     the start date to the termination date of
                                                             cancel Your Policy it will remain in force for the
     this Policy, as advised, and any subsequent
                                                             term of the Motor Insurance Policy. After this
     period for which You have paid the full Motor
                                                             14 day period you can cancel at any time in
     Insurance Policy Premiums due.
                                                             accordance with the cancellation terms of the
     The Motor Legal Protection Policy provides              Motor Insurance Policy.
     cover to fund legal proceedings to recover
                                                             Cancellation will incur administration charges
     Uninsured Losses sustained by You in a motor
                                                             that are payable to EUI for the cost of
     vehicle accident for which You were not
                                                             arranging and handling your policy. Details of
     to blame and are not covered by another
                                                             these intermediary fees are given in ‘Additional
     contract of insurance.
                                                             Charges and Cancellation of Your Motor
     AmTrust Europe Limited underwrites the                  Policy’ included in your welcome documents
     Motor Legal Protection Policy.                          and renewal documents. Please contact EUI
                                                             Limited, Capital Tower, Greyfriars Road, Cardiff,
     Cancellation right                                      CF10 3AZ or call 0871 882 2200. Calls to 0871
     We hope You are happy with the cover this               numbers are charged at 8p per minute plus
     Motor Legal Expenses Policy provides. You               network extras.

page 35
                                              Motor Legal Protection Policy [continued]



Making a Policy Claim                                    Redmond House, Fern Court, Bracken Hill
If You have a Claim please ring to tell Us               Business Park, Peterlee, Co Durham. SR8 2RR.
about it as soon as possible and this must be            If the matter is not resolved to Your
within six months of Your accident. Telephone            satisfaction, You can contact the Underwriters.
0844 543 4420 to report Your claim. You
will need to confirm You are insured through             Managing Director, AmTrust Europe Limited,
EUI Limited (trading as Diamond) and                     Market Square House, St James’s Street,
provide Your Policy number, Your vehicle                 Nottingham. NG1 6FG. Tel no 0115 941 1022.
registration number, date of accident and any            If the complaint cannot be resolved, You can
supporting details/information required to               refer it to the Financial Ombudsman Service.
pursue the Claim.
                                                         AmTrust Europe Limited are covered by the
How to make a complaint                                  Financial Services Compensation Scheme
                                                         (FSCS). Depending on the circumstances
If You need to make a complaint about
                                                         You may be entitled to compensation from
the Policy contact Us by telephone on
                                                         the scheme should they be unable to meet
0800 077 8165 or in writing to Quality
Compliance Executive, Albany Assistance Ltd,             their obligations.



Significant benefits                                       Significant                Policy Section
                                                           exclusions or
                                                           limitations
Uninsured Loss Recovery and Personal Injury                Legal Costs & Expenses     DEFINITIONS:
                                                           are limited to £100,000    Limit of Indemnity
We; or if We agree it is necessary, external lawyers
                                                           and this includes
that We will appoint; will negotiate to recover
                                                           opponents’ costs.
uninsured losses and damages, and any legal costs
and expenses, incurred by the Insured Person in            Costs incurred before      14. EXCLUSIONS: 18.
bringing a claim against a negligent Third Party           Albany Assistance Ltd
following a collision between the Insured Vehicle and      agrees to appoint a
another vehicle relating to:                               representative to help
                                                           an Insured Person are
(a) Loss of or damage to the Insured Vehicle
                                                           excluded.
(b) Damage to any personal property owned by the                                      CONDITIONS:
                                                           Albany Assistance Ltd
    Insured Person or for which the Insured Person                                    4. Representation d
                                                           is free to choose a
    is legally responsible whilst in or on the Insured
                                                           representative to help
    Vehicle
                                                           the Insured Person.
(c) Death or personal injury to the Insured Person
    whilst in, on or mounting or dismounting from
    the Insured Vehicle
Passengers and drivers, with the permission of the
Policyholder, will also get the benefit of the Policy
cover.
Territorial limits                                         The list of countries in   DEFINITIONS:
                                                           which cover applies        Territorial limits
The Policy cover applies to accidents that happen
                                                           is shown in the Policy
in the Territorial Limits of Great Britain, Northern
                                                           wording.
Ireland, Isle of Man, Channel Islands, any other
Country which is a member of the European Union,
Norway, Switzerland, Iceland, Croatia, Andorra and
Liechtenstein.

                                                                                                           page 36
                 Motor Legal Protection Policy [continued]



          Terms and Conditions
          IMPORTANT                                          ●●   Death or personal injury to the Insured
                                                                  Person whilst in, on, mounting or
          Your Legal Expenses Policy                              dismounting from the Insured Vehicle.
          As long as Your Motor Insurance Policy remains
          in force the Underwriters agree to indemnify       Any such accident must occur within the
          the Insured and Insured Person(s) against          Period of Insurance and within the Territorial
          Legal Costs and Expenses subject to the Policy     Limits of this Policy.
          Terms, Limit of Indemnity, Exclusions and          Insured Person means You and any person
          Conditions herein in respect of an Insured         authorised to drive the Insured Vehicle under
          Event.                                             Your Motor Insurance Policy or any authorised
                                                             passenger at the Coverholders discretion in or
          Definitions                                        on the Insured Vehicle who are claiming under
          Each of the words or phrases listed below will     this Policy with Your consent, or Your or their
          have the same meaning wherever they appear         legal representative in the event of death.
          in the insurance:
                                                             Insured Vehicle means a privately owned
          Appointed Agents means Albany Assistance           motor car manufactured for the carriage of up
          Ltd (Albany) who will act on behalf of AmTrust     to eight passengers which is designed solely
          Europe Limited in connection with the Policy       for private use and has not been constructed
          and its administration and may monitor and         or adapted to carry goods or loads specified in
          record calls.                                      Your underlying Motor Insurance Policy.
          Appointed Legal Representative means               Legal Costs and Expenses in relation to an
          the Solicitor or other appropriately qualified     Insured Event means any legal fees, costs
          or experienced person(s) who We approve,           and disbursements reasonably and properly
          appointed under the terms and conditions of        incurred in relation to a Claim and any
          this Policy to act for the Insured Person.         consequent Legal Proceedings:
          Claim means a civil claim for damages for          1.   By the Appointed Legal Representative,
          Uninsured Losses arising out of an Insured              including fees of Counsel instructed
          Event.                                                  by them when acting on behalf of the
                                                                  Insured Person in bringing a Claim, and in
          Coverholders means Albany Assistance Ltd
                                                                  any event is limited to the standard basis.
          (Albany).
                                                             2.   By any other party to the Claim which
          Insured means the person, firm or company
                                                                  the Insured Person is liable to pay as a
          who is entitled to participate in the Uninsured
                                                                  result of an order or award of the court or
          Loss Recovery service offered by the
                                                                  other tribunal or a negotiated settlement
          Coverholders.
                                                                  provided that such settlement is made
          Insured Event means an accident arising from            with the agreement of the relevant
          the negligence of a Third Party, which results          Underwriters, and in any event is limited
          in the Insured Person incurring Legal Costs and         to the standard basis.
          Expenses in bringing a Claim relating to:
                                                             Legal Proceedings means all work necessary
          ●●   Loss of or damage to the Insured Vehicle;     regarding a Claim with the approval of the
          ●●   Damage to any personal property owned         Underwriters, subject to the jurisdiction of
               by the Insured Person or for which the        courts within the Territorial Limits. Appeals
               Insured Person is legally responsible         from such hearings are also included when We
               while such property is in or on the           are notified by the Insured Person of their wish
               Insured Vehicle;                              to appeal at least five working days before the
                                                             deadline for giving notice of appeal expires.
page 37
                                            Motor Legal Protection Policy [continued]




We must also consider the appeal to have            Third Party means the other person(s) and/or
reasonable prospects of success. Advice and         party(s) responsible for the accident, excluding
assistance, but not representation will be          the Insured Person (as defined in this Policy).
provided in matters dealt with in the Small
                                                    Underwriters means AmTrust Europe Limited.
Claims Track or any other proceedings or
dispute resolution process where costs              Uninsured Loss means any loss, including
cannot be recovered or paid on a standard           injury, compensation or expenses or costs that
or similar basis.                                   are directly caused by the Insured Event which
                                                    led to Your Claim, unless specifically stated in
Limit of Indemnity means a maximum of
                                                    this Policy, and which are not covered by Your
£100,000 for all Legal Costs and Expenses of
                                                    underlying Motor Insurance Policy.
the Insured Person and including opponent’s
costs, where awarded, arising out of any one        We, Us, Our means Albany Assistance Limited
Insured Event.                                      and/or the Underwriters.
Motor Insurance Policy means the policy of          You, Your means the Policyholder
insurance issued to You in compliance with the      and/or Insured.
Road Traffic Act valid at the time of the Insured
Event.                                              CONDITIONS
                                                    1.   Compliance And Precautions
Motor Insurance Policy Premium means
the payment which is required to be paid to         You and the Insured Person must comply
ensure that the cover remains in force for the      with all of the terms and conditions of this
Motor Insurance Policy issued by EUI Limited        Policy and take all reasonable precautions
(trading as Diamond).                               to minimise the cost of Claims or Legal
                                                    Proceedings and attempt to prevent any event,
Participating Agent means EUI Limited               which may cause a Claim.
(trading as Diamond), who are authorised
to provide this Policy to the Policyholder on       2.   Reporting The Claim
behalf of Us and the Underwriters.                  The Insured Person must immediately report
Period of Insurance means from the start            to Albany either directly or via EUI Limited
date to the termination date of this Policy, as     (trading as Diamond) any accident, which
detailed on your Motor Insurance Schedule.          may give rise to a Claim under this Policy and
                                                    must complete any forms requested. The
Policy means this policy of insurance.              Insured Person must supply, without delay,
Policyholder means the person, firm or              all information that the Appointed Legal
company who has taken out this Policy and           Representative or We require or reasonably
has paid the Motor Insurance Policy Premium.        request. All information and forms must be
                                                    sent to Albany. The Insured Person must not
Prospects of Success means reasonable               do anything, which may prejudice their Claim.
prospects considered as a 51% or better
chance of success.                                  If You have a Claim please ring to tell Us
                                                    about it as soon as possible and this must be
Territorial Limits means Great Britain,             within six months of Your accident. Telephone
Northern Ireland, Isle of Man, Channel Islands,     0844 543 4420 to report Your claim. You
any other Country which is a member of the          will need to confirm You are insured through
European Union, Norway, Switzerland, Iceland,       EUI Limited (trading as Diamond) and
Croatia, Andorra and Liechtenstein.                 provide Your Policy number, Your vehicle
                                                    registration number, date of accident and any
                                                    supporting details/information required to
                                                    pursue the Claim.
                                                                                                 page 38
                Motor Legal Protection Policy [continued]



    3.    Acceptance Of A Claim                        (e) There will only be a transfer of
    Where We accept a Claim, We will notify the            representation to another Appointed
    Insured Person or the Participating Agent in           Legal Representative if there is a good
    writing as soon as practicable.                        reason to do so.

    4.    Representation                               5.     Control Of The Claim
    (a)   Albany has the right to make                 (a)    The Insured Person must co-operate fully
          investigations into the case.                       with the Appointed Legal Representative
                                                              and Us and in particular, the Appointed
    (b) Albany also has the right to negotiate                Legal Representative and We must be
        and settle the Claim, in the Insured                  kept continually and promptly informed
        Person’s name, before an Appointed Legal              of all developments relating to the Claim
        Representative is instructed.                         of which the Insured Person is aware and
    (c)   Where appropriate Albany will pass                  must be provided immediately with all
          the Claim to an Appointed Legal                     information, evidence and documents
          Representative to be dealt with. They will          relating to the Claim in their possession.
          be instructed in the name of the Insured     (b) We shall have direct access to the
          Person and may negotiate and settle the          Appointed Legal Representative at all
          Claim on their behalf.                           times in relation to any Claim.
    (d) Where Legal Proceedings are necessary          (c)    The Insured Person must instruct
        or where it is otherwise required, the                the Appointed Legal Representative
        Appointed Legal Representative will be                to produce to Us immediately any
        a solicitor chosen by Albany. If You wish             documents, information or advice in their
        to appoint Your own solicitor, Albany                 possession. The Insured Person must also
        will only accept that appointment if                  give the Appointed Legal Representative
        the request is made in writing to them                such prompt, proper and reasonable
        and they are satisfied that the solicitor             instructions in relation to the Claim and
        is able to deal with the case. They must              the conduct of any litigation, as the
        sign Albany’s Non-panel Solicitor Terms               Underwriters or We require.
        and Conditions and have a duty to
        minimise the costs of any Claim and/           (d) The Insured Person should advise Us
        or Legal Proceedings. Once Your chosen             directly or through their Appointed Legal
        solicitor has been approved by Us,                 Representative immediately of all offers
        they will become the Appointed Legal               to settle or payments into court in
        Representative subject to the terms                respect of the Claim. No offer of
        and conditions of this Policy. Indemnity           settlement or negotiation can be
        under this Policy to Your Appointed Legal          made without Our agreement.
        Representative will only commence              (e) If the Insured Person does not accept
        when the need arises for proceedings               the offer or payment into court and We
        to be issued and then only with Our                consider that the outcome of the case
        acceptance. You must not change the                will not be bettered We reserve the
        Appointed Legal Representative without             right to withdraw cover and will not be
        Our prior written consent. This condition          responsible for any further Legal Costs
        is subject to any rights of the Insured            and Expenses after the offer or payment
        under regulation 6 of the Insurance                into court was made.
        Companies (Legal Expenses Insurance)
                                                       (f )   We may discharge Our liabilities to the
        Regulations 1990, where applicable. Any
                                                              Insured Person under this Policy by
        dispute arising from the Insured Person’s
                                                              paying an amount equal to that claimed.
        choice may be referred to arbitration as
        set out in Clause 13.                          (g) The Insured Person shall take all
                                                           reasonable steps to keep the costs of
page 39
                                            Motor Legal Protection Policy [continued]



      the Claim or any Legal Proceedings to         7.    Communication
      a minimum.                                    All notices and communications from Us
(h) The Insured Person must send to Us              and the Underwriters or their Authorised
    directly or authorise the Appointed Legal       Representative will be considered to have
    Representative to send to Us all bills          been sent if sent to the last known address of
    for Legal Costs and Expenses, orders or         the Insured Person.
    awards for costs immediately on receiving       8.    Dual Insurance
    them and We have the
                                                    If at the time of any Insured Event there is
    right to have these submitted for
                                                    any other insurance, which provides cover
    assessment by the courts or certification
                                                    for the loss, or any part of it We will only be
    by the Law Society.
                                                    responsible for the amount not recoverable
(i)   The Insured Person must authorise any         under that insurance.
      Appointed Legal Representative to
                                                    9.    Prospects Of Success
      receive any sums by way of legal costs
      recovered from the Third Party and to pay     Cover will only be provided if We and,
      the same to Us to the extent of the sums      where applicable, the Appointed Legal
      indemnified under this Policy. Any sums       Representative, are of the opinion that there
      received directly by the Insured Person       are reasonable prospects of recovery from the
      should similarly be paid over to Us to the    Third Party. In cases where the Insured Event
      extent of the sums indemnified under          occurs outside of the United Kingdom We
      this Policy.                                  reserve the right to conduct enquiries or take
                                                    legal advice on the Prospects of Success in
(j)   The Insured Person must take all action
                                                    the appropriate jurisdiction before deciding
      possible to recover any costs, charges or
                                                    whether to provide cover.
      fees the Underwriters or We may have
      paid or be liable to pay under this Policy    We can give written notice to the
      and pay any such amounts recovered            Insured Person and the Appointed Legal
      to Us. In any event, upon payment of all      Representative to discontinue cover if during
      sums due for Legal Costs and Expenses         the course of a Claim We consider reasonable
      under this Policy We can take over and        Prospects of Success no longer exist.
      if necessary conduct proceedings in the       10. Compliance And Avoidance Of Policy
      name of the Insured Person to recover
                                                    Albany and/or the Underwriters have the right
      such Legal Costs and Expenses which the
                                                    to cancel this Policy and declare the same null
      Insured Person is entitled to receive from
                                                    and void in the event of any breach of Policy
      the Third Party.
                                                    terms and conditions If:
6.    Withdrawal
                                                    (a)   The Policyholder does not hold a valid
If the Insured Person withdraws from a Claim              Motor Insurance Policy or, if relevant, valid
or discontinues instructions to an Appointed              Green Card, at the time of the Insured
Legal Representative expressly or by omission             Event for the vehicle involved.
without the agreement of the Underwriters
or Coverholders all Legal Costs and Expenses        (b) The Policyholder’s motor insurers are
and Defendants Legal Costs will become                  entitled to avoid the Motor Insurance
the responsibility of the Insured Person. In            Policy or refuse indemnity.
addition, We will be entitled to be reimbursed      (c)   Any statements or answers made by the
by the Insured Person of all Legal Costs and              Policyholder to Us or the Underwriters
Expenses paid or incurred during the course of            prior to commencement of this Policy are
the Claim.                                                found to be false or untrue.




                                                                                                      page 40
                 Motor Legal Protection Policy [continued]



    (d) The Policyholder fails to disclose any           Financial Ombudman Service, South Quay
        material fact relevant to the risks insured      Plaza, 183 Marsh Wall, London E14 9SR.
        under this Policy to the Underwriters
                                                         By telephone 0800 0 234 567 - free
        or to Us prior to the commencement of
                                                         for people phoning from a “fixed line”
        this Policy.
                                                         (for example, a landline at home) or
    (e) An Insured Person makes any Claim                0300 123 9 123 - free for mobile-phone
        under this Policy, which is fraudulent or        users who pay a monthly charge for calls
        false in any material respect.                   to numbers starting 01 or 02 or email
                                                         complaint.info@financial-ombudsman.org.uk
    (f )   You fail to pay the required Motor
           Insurance Policy Premium.                     13. Arbitration
    11. Alteration                                       In the event of any dispute or difference
                                                         whatsoever arising out of this Policy or any
    You must notify Us immediately of any change,
                                                         Claim made there under the matter shall
    which may or does affect this Policy.
                                                         be referred to an arbitrator who shall be
    12. Complaints                                       either a solicitor or a barrister agreed upon
    We are committed to dealing with customer            by the Insured Person and Us. If the Insured
    complaints in a fair and prompt way.                 Person is not the Policyholder by claiming
    Complaints can be made verbally or in writing.       under the Policy they agree to be a party to
                                                         any Arbitration under this Clause whether
    It is Our experience that most complaints can        jointly with the Policyholder or otherwise and
    be resolved by speaking to the staff directly        whether as Claimant or Defendant.
    responsible for Your Claim. Please call Albany
    on 0800 077 8165 or write to The Quality             If We cannot agree on an arbitrator then the
    Compliance Executive, Albany Assistance Ltd,         President of the Law Society or the Chairman
    Redmond House, Fern Court, Bracken Hill              of the Bar Council or similar legal professional
    Business Park, Peterlee, Co Durham SR8 2RR.          body within the Territorial Limits will choose
                                                         one. The appointment and subsequent
    If the matter is not resolved to Your                arbitration shall be binding on both parties.
    satisfaction, please write to the Managing
    Director, AmTrust Europe Limited, Market             Whoever loses the arbitration must pay all the
    Square House, St James’s Street, Nottingham          costs involved. If the decision is not clearly
    NG1 6FG.                                             made against the Insured Person or Us, the
                                                         arbitrator will decide how the Insured Person
    The Underwriters will contact You within five        and We will share the costs.
    days of receiving Your complaint to inform
    You of what action they are taking. The              14. Exclusions
    Underwriters will try to resolve the problem          The Underwriters will not indemnify the
    and give You an answer within four weeks. If         Insured Person in respect of:
    it will take the Underwriters longer than four
                                                         1.   Any Insured Event that took place
    weeks the Underwriters will tell You when You
                                                              prior to the Period of Insurance.
    can expect an answer.
                                                         2.   Any Claim reported to Albany more
    If the Underwriters have not given You an
                                                              than 180 days after the Insured Event.
    answer in eight weeks they will tell You
    how You can take Your complaint to the               3.   Any Legal Costs and Expenses for any
    Financial Ombudsman Service for review. This              period subsequent to a refusal by
    complaints procedure does not affect any                  the Appointed Legal Representative
    legal right You have to take action against Us.           to act further for the Insured
    If You are still not satisfied You can contact the        Person for a reason, which Albany
    Financial Ombudsman Service at:                           consider, is justified unless Albany


page 41
                                          Motor Legal Protection Policy [continued]



     agree to another Appointed Legal             15. Any claim where premiums for the
     Representative being instructed.                 Motor Insurance Policy have not been
                                                      paid.
4.   In any case where the Insured Person
     has misled the Appointed Legal               16. Any Claim where the Third Party
     Representative or Albany as to the               cannot be traced or identified.
     circumstances of the accident.
                                                  17. Any Claims arising from:
5.   In any case where the Insured Person
                                                      (a) Ionising, radiation or
     fails to disclose to Albany and/or
                                                          contamination by radioactivity
     the Appointed Legal Representative
                                                          from any nuclear fuel or from any
     material facts relevant to the Claim.
                                                          nuclear waste from the combustion
6.   Compensation, costs, damages, fines                  of nuclear fuel.
     or penalties of any kind awarded by a
                                                      (b) The radioactive, toxic, explosive
     court of criminal jurisdiction.
                                                          or other hazardous properties
7.   Claims for damage to any property or                 of any nuclear assembly or
     any related loss, expense or costs that              component of it.
     are indirectly caused by the Insured
                                                      (c) Riot, civil commotion, war,
     Event which led to Your Claim, unless
                                                          invasion, acts of foreign enemies,
     specifically stated in this Policy.
                                                          hostilities (whether war be declared
8.   Any Claim arising out of a deliberate                or not), civil war, rebellion,
     and/or criminal act or omission or                   revolution, insurrection, military
     which is found to Albany’s satisfaction              or usurped power or confiscation,
     to be of a fraudulent nature.                        nationalisation, requisition,
                                                          destruction or damage to
9.   Any Claim arising from the theft or
                                                          property by or under the order
     attempted theft of the Insured Vehicle.
                                                          of any government or public or
10. In any case where the Insured Person                  local authority.
    does not possess a valid Motor
                                                      (d) Pressure waves caused by aircraft
    Insurance Policy, valid road fund
                                                          or any other airborne devices
    licence or MOT for the Insured Vehicle
                                                          travelling at sonic or supersonic
    or a valid driving licence.
                                                          speeds.
11. In any case where the Insured Vehicle
                                                      (e) Any Claims directly or indirectly
    is not in a roadworthy condition at the
                                                          caused by or resulting from any
    time of the Insured Event.
                                                          device failing to recognise interpret
12. Any claim where Your Motor Insurance                  or process any date as its true
    Policy has been voided or indemnity                   calendar date.
    refused.
                                                  18. Legal Costs and Expenses incurred
13. All Claims in the Territorial Limits              prior to notification of the Insured
    where a valid Green Card is required              Event to Albany.
    and has not been issued.
                                                  19. Legal Proceedings dealt with by a
14. Any Insured Event arising out of                  court or other body, which Albany
    the use of an Insured Vehicle by the              have not agreed to or are outside the
    Insured Person in connection with                 Territorial Limits.
    racing, rallies, trials or competitions of
                                                  20. The cost of representation in the Small
    any kind.
                                                      Claims Track or any other proceedings
                                                      or dispute resolution process where

                                                                                              page 42
                Motor Legal Protection Policy [continued]



          costs cannot be recovered or paid on a       You can get more information about the
          standard or similar basis.                   compensation scheme arrangements from
                                                       the FSCS. The contact information is: The FSCS,
    21. Any undertaking the Insured Person
                                                       7th Floor, Lloyds Chambers, Portsoken Street,
        gives to the Appointed Legal
                                                       London. E1 8BN.
        Representative, or which the Insured
        Person or the Appointed Legal                  Telephone: 0800 678 1100 or
        Representative gives to any person                        0207 741 4100.
        about payment of fees or expenses,             E-mail: enquiries@fscs.org.uk
        unless Albany have given prior
        written authority.                             17. Cancellation

    15. Governing Law & Language.                      You have the right to cancel this Policy
                                                       within fourteen days of the date upon which
    This Policy shall be governed by and               You receive Your Welcome Pack, subject
    construed in accordance with English Law. All      to no Claim being made upon the policy.
    communication is to be conducted in English.       Cancellation of this policy is subject to the
    16. Whole Agreement                                cancellation of the Motor Insurance Policy. A
    This Policy contains the entire agreement          refund will be provided in accordance with
    between the Policyholder and any                   the cancellation terms of the Motor Insurance
    Insured Person claiming under it and the           Policy. If you do not exercise this right to
    Underwriters and Albany on their behalf            cancel Your Policy it will remain in force for the
    and no other representation or warranty by         term of the Motor Insurance Policy. After this
    the Insured Person or Us or their Authorised       14 day period you can cancel at any time in
    Representatives or any third party shall have      accordance with the cancellation terms of the
    any contractual effect unless agreed by all        Motor Insurance Policy.
    parties in writing.                                Cancellation will incur administration charges
    Supplied by EUI Limited (trading as Diamond),      that are payable to EUI for the cost of
    (FSA Registration: 309378), Capital Tower,         arranging and handling your policy. Details of
    Greyfriars Road, Cardiff, CF10 3AZ, and is         these intermediary fees are given in ‘Additional
    administered by Albany Assistance Ltd (FSA         Charges and Cancellation of Your Motor
    Registration: 312423), Redmond House, Fern         Policy’ included in your welcome documents
    Court, Bracken Hill Business Park, Peterlee,       and renewal documents. Please contact EUI
    County Durham. SR8 2RR, and is underwritten        Limited, Capital Tower, Greyfriars Road, Cardiff,
    by AmTrust Europe Limited (FSA Registration:       CF10 3AZ or call 0871 882 2200. Calls to 0871
    202189) Market Square House, St James’s            numbers are charged at 8p per minute plus
    Street, Nottingham, Nottinghamshire. NG1 6FG       network extras.
    (Home State: United Kingdom).                      Diamond is a trading name of EUI Limited.
    EUI Limited, Albany Assistance Limited and         Registered Office: Capital Tower, Greyfriars
    AmTrust Europe Limited are all authorised and      Road, Cardiff, CF10 3AZ.
    regulated by the Financial Services Authority.     All companies are authorised and regulated by
    The Financial Service Compensation Scheme          the Financial Services Authority.
    (FSCS) covers Albany Assistance Ltd and
    AmTrust Europe Limited. You may be entitled
    to compensation from the scheme should
    either firm be unable to meet their obligations.
    This depends on the type of business and the
    circumstances of the claim. Most insurance
    contracts are covered for 90% of the claim.


page 43
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Diamond Home Insurance is arranged and administered by Heath Lambert Limited (9 Alie Street, London, E1 8DE),
which is authorised and regulated by the Financial Services Authority.
Diamond Breakdown Cover is supplied by Call Assist Limited (Axis Court, North Station Road, Colchester CO1 1UX),
which is authorised and regulated by the Financial Services Authority.
                                                                                                                   DI11 0512




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